If you have CCJs and are looking for a mortgage then no doubt you will be having a problems. Traditional finance lenders such as your bank or building society will not lend to you if you have county court judgements. To fix the problem the solution is to use an independent mortgage adviser nowadays there are hundreds of lenders many of which will lend to high risk bad credit history customers.

Obviously someone with a bad credit history with CCJs will pay a higher rate of interest than a normal customer. This is not normally a problem as once you have had the higher rate for a year or two then moving companies and getting a fixed rate of interest at a lower apr rate can be achieved.

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